Has a “debt collector” from “US National Bank” called you up and tried to railroad you into repaying an online payday loan you payed off years ago? Have they harassed you at work, threatened you will jail time, said they’re sending the sheriff after you, or used other illegal and intimidating tactics? I’m working on a story for Reader’s Digest about scams, and this is one of them I want to blow out the water. Email your story to ben@consumerist.com with “USNB Scam” in the subject line. My deadline is very short, this Friday, October 17th, 2008. Digging deeper into this particularly nasty form of illegal debt collecting, it seems what they’re doing is…